This document summarizes PayPal's risk platform architecture. It discusses how PayPal processes over 1 billion payments per year using an asynchronous architecture for its risk data access layer (DAL) service. The async solution improved latency, throughput, CPU and memory usage compared to the synchronous approach. Future plans include further optimizing the async DAL service, RPC, and in-memory data access. The goal is to process payments at tremendous scale with low latency and system load through an event-driven and highly reusable architecture.
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